Scope of coverage. The scope of insurance on account of the risk of delayed flight is the reimbursement of costs of meals, refreshments, hotels, transfers to and from the airport and ground services not used incurred by the Insured, up to the amounts shown in the “Summary of Coverages”, provided that the flight was delayed more than 12 hours as compared to the time initially scheduled for the Insured's departure. Only scheduled flights by airlines whose flight schedules are published shall be covered hereunder. In the event of a dispute, the ABC WORLD AIRWAYS GUIDE shall be considered as a reference in order to determine the scheduled times of flights and connections.
Scope of coverage. (a) Reimbursement of costs of sending of drugs or medicine that are indispensable and cannot be found locally
(b) reimbursement of costs of sending of a physician to the Insured abroad
(c) Reimbursement of costs of transportation of the Insured to a medical facility
(d) Reimbursement of costs of unscheduled return and return home the Insured
(e) Reimbursement of costs of expatriation of remains in the event of the Insured's death
(f) Reimbursement of costs connected with the Insured's death
(g) Reimbursement of cost of ticket and travel expenses for a member of the Insured's family in the event of prolonged hospitalization If neither the Insured's spouse nor any other adult member of the Insured's family accompanies him/her on the trip, and the Insured is minor or handicapped, and his/her state of health does not permit his/her transportation to the place of his/her domicile and his/her local hospitalization exceeds 7 consecutive days, the Travel assistance provider will provide a round-trip, economy class air ticket or first class rail ticket free of charge to the Insured's spouse or a member of his/her family residing in the Insured's home country, to enable such person to visit the Insured.
(h) Reimbursement of costs of extending the Insured's trip
(i) Reimbursement of costs of resuming trip (the Insured and travelling companions)
(j) Reimbursement of costs of return of travelling companions and extra expenses and/or the cost of extending the trip
(k) Reimbursement of costs of return of travelling companions under 15 years of age
(l) Reimbursement of costs of early return of the Insured
(m) Reimbursement of costs of assistance for the Insured's children under 15 years of age that stayed at home
(n) Reimbursement of costs of medical expenses abroad
(o) Reimbursement of costs of legal assistance abroad
(p) Reimbursement of costs of advance for bail bond abroad
Scope of coverage. The scope of the coverage of the risk of cancellation or change of the trip programme covers the refund of the costs of purchase of the airline ticket incurred by the Policyholder in connection with cancelling or changing the trip before departure, up to the amounts provided in the “Summary of Coverages”, paid by the Insured, but excluding airport taxes, if the Insured is unable to depart for one of the following reasons: death, accident or serious illness, hospitalisation of the Insured, his/her spouse, whether legally married or a partner who lives with the Insured as is married her ascendants or descendants or those of his/her spouse, fathers-in-law, mothers-in- law, brothers, sisters, brothers-in-law, sisters-in-law, sons-in-law, daughters-in-law, or the legal guardian of the Insured, or any person who usually lives with him/her. death, accident or serious illness, hospitalisation of individuals travelling with the Insured during his/her trip, provided that the first and last names of such individuals are stated in his/her particular Insurance Certificate; significant physical damage to their home or business premises which the Insured or his/her spouse own, rent, or occupy free of charge, provided that more than 50% of such premises have been destroyed and that their presence is absolutely required at the place in question in order to take necessary protective measures.
Scope of coverage. The scope of insurance against the risk of the costs of loss, theft or damage to the baggage shall cover the following costs incurred by the Insured on account of the loss, theft or damage to the baggage exclusively up to the amounts and after application of the deductible shown in the “Summary of Coverages”:
1. loss, theft or damage, whether total or partial, of the Insured's baggage and personal effects, during their transportation by a carrier or during transfers organized by the travel agent,
2. the theft of the Insured's baggage and personal effects during the trip,
3. damage, whether total or partial, of the Insured's baggage and personal effects due to theft or attempted theft, fire, explosion, lightning, or natural disasters,
4. Theft by burglary of the Insured's baggage and personal effects transported out of sight in the trunk of a vehicle that is not a convertible, duly closed and locked. In all cases, compensation is calculated on the basis of the replacement or repair value of objects of the same type after deduction for wear and tear and shall not exceed the amount of loss suffered nor take into account any profits lost. • valuables are covered up to the amount shown in the "Limitation of coverage for valuables" stated in the "Summary for coverages"; • in addition, jewellery, precious items and watches are covered only against theft and only when they are worn by and on the Insured, used by the Insured or deposited in an individual safe box or in a hotel safe box. If the loss theft or damage, whether total or partial, of the Insured's baggage and personal effects, is due to the fault of an air carrier with which they were duly checked and for which such carrier is liable, the coverage of the Insurer shall apply only after the exhaustion of, and solely in addition to, compensation that the carrier must pay, and cannot exceed the maximum amounts shown in the “Summary of Coverages”.